Research On The Problem Of Credit Guarantee Of Small And Medium Sized Enterprises In China Under The Scientific Outlook On Development

As the main channel of financing of small and medium enterprises, credit financing is the production and operation activities of enterprises strategic layout is important one annulus, credit financing decisions affect the capital structure of the enterprise, and credit financing decision also reflects the prevailing financial ecology. To be in the market economy of our country reform gradually independent development of small and medium-sized enterprises, except through the capital appreciation to accumulate their own capital, but also by external capital power, especially the use of credit funds, combining domestic and foreign funds to achieve effective use of fund resources, in order to better achieve the greatest benefit chemical. Marx fully affirmed the positive role of credit to the capitalist economy development: first, the establishment of the credit system, promote the tendency of average profit rate. With the help of credit, capitalists can quickly obtain large amounts of money capital and investment profit rate high in the sector, making the capital by the low margin sector rapidly towards high profit sectors, which prompted the profit margins tend to average. Second, the establishment of the credit system, can save the cost of circulation, improve the economic efficiency of enterprises. With the development of commodity economy, money as a medium of exchange is directly and debt settlement means will greatly improve the transfer efficiency and reduce the cost of liquidation, and extensive use of credit can overcome this shortcoming, accelerate the circulation of commodities and capital flow, and create more surplus value. Third, the credit system can accelerate capital accumulation and concentration. Expand the quantity of capital through the capital concentration and accumulation can be achieved, the credit system is to promote capital annexation of small and medium-sized capital, accelerating capital concentrated powerful lever.In this paper, namely the theory from the perspective of Marx economics and scientific development, to credit guarantee theory as the content, research status and characteristics of credit guarantee existence and development, then analyzes the development of small and medium-sized enterprises in China and the reality of the credit guarantee system and the main problems, and combined with the framework of China’s credit guarantee system the actual situation design in china. The research contents of this paper are summarized as follows:The first part: foreword. The thesis introduces the background and significance, research status at home and abroad, and the research contents etc.. The second part, the analysis of the development of small and medium-sized enterprises guidance of related theories, research on current development of small and medium-sized enterprises and credit guarantee, and the introduction of the concept of scientific development theory, clarify the development of small and medium enterprises credit guarantee business must adhere to the scientific development concept as a guide. The third part points out the characteristics of China’s SME credit guarantee industry, and analyzes the development of the industry is facing opportunities. The fourth part, analysis of the existing credit guarantee industry of small and medium enterprises in the development of China’s problems. The fifth part, combined with the above analysis and put forward feasible measures for the long-term development of China’s SME credit guarantee mechanism. That is to Scientific Outlook on Development theory as the basis, from the SMEs themselves, the subject of credit guarantee, government and industry environment optimization level put forward planning long-term optimization system of China’s SME credit guarantee, to ensure that the scientific development, long-term development. Finally, conclusion and prospect. Summarizes the achievements of this paper, and analysis and Prospect on the unfinished business of.